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Side-by-side financial comparison of PRA GROUP INC (PRAA) and RADIANT LOGISTICS, INC (RLGT). Click either name above to swap in a different company.
PRA GROUP INC is the larger business by last-quarter revenue ($333.4M vs $232.1M, roughly 1.4× RADIANT LOGISTICS, INC). PRA GROUP INC runs the higher net margin — 17.0% vs 2.3%, a 14.7% gap on every dollar of revenue. On growth, PRA GROUP INC posted the faster year-over-year revenue change (13.7% vs -12.3%). RADIANT LOGISTICS, INC produced more free cash flow last quarter ($11.6M vs $-90.4M). Over the past eight quarters, PRA GROUP INC's revenue compounded faster (14.2% CAGR vs 12.1%).
PRA Group, Inc. is a publicly traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries.
Radiant Logistics, Inc. is a leading third-party logistics provider offering end-to-end supply chain solutions, domestic and international freight forwarding, warehousing, and last-mile delivery services. It primarily serves North American markets, with key client segments including retail, manufacturing, e-commerce, and industrial sectors, helping businesses optimize logistics workflows and cut operational costs.
PRAA vs RLGT — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $333.4M | $232.1M |
| Net Profit | $56.5M | $5.3M |
| Gross Margin | — | — |
| Operating Margin | 37.7% | 3.2% |
| Net Margin | 17.0% | 2.3% |
| Revenue YoY | 13.7% | -12.3% |
| Net Profit YoY | 206.3% | -18.0% |
| EPS (diluted) | $1.47 | $0.11 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $333.4M | $232.1M | ||
| Q3 25 | $311.1M | $226.7M | ||
| Q2 25 | $287.7M | $220.6M | ||
| Q1 25 | $269.6M | $214.0M | ||
| Q4 24 | $293.2M | $264.5M | ||
| Q3 24 | $281.5M | $203.6M | ||
| Q2 24 | $284.2M | $206.0M | ||
| Q1 24 | $255.6M | $184.6M |
| Q4 25 | $56.5M | $5.3M | ||
| Q3 25 | $-407.7M | $1.3M | ||
| Q2 25 | $42.4M | $4.9M | ||
| Q1 25 | $3.7M | $2.5M | ||
| Q4 24 | $18.5M | $6.5M | ||
| Q3 24 | $27.2M | $3.4M | ||
| Q2 24 | $21.5M | $4.8M | ||
| Q1 24 | $3.5M | $-703.0K |
| Q4 25 | 37.7% | 3.2% | ||
| Q3 25 | -101.4% | 0.9% | ||
| Q2 25 | 29.6% | 2.4% | ||
| Q1 25 | 27.7% | 1.6% | ||
| Q4 24 | 32.1% | 3.3% | ||
| Q3 24 | 32.0% | 1.9% | ||
| Q2 24 | 31.4% | 2.4% | ||
| Q1 24 | 26.0% | -0.5% |
| Q4 25 | 17.0% | 2.3% | ||
| Q3 25 | -131.0% | 0.6% | ||
| Q2 25 | 14.7% | 2.2% | ||
| Q1 25 | 1.4% | 1.2% | ||
| Q4 24 | 6.3% | 2.4% | ||
| Q3 24 | 9.6% | 1.7% | ||
| Q2 24 | 7.6% | 2.3% | ||
| Q1 24 | 1.4% | -0.4% |
| Q4 25 | $1.47 | $0.11 | ||
| Q3 25 | $-10.43 | $0.03 | ||
| Q2 25 | $1.08 | $0.10 | ||
| Q1 25 | $0.09 | $0.05 | ||
| Q4 24 | $0.47 | $0.13 | ||
| Q3 24 | $0.69 | $0.07 | ||
| Q2 24 | $0.54 | $0.11 | ||
| Q1 24 | $0.09 | $-0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $104.4M | $31.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $979.9M | $229.8M |
| Total Assets | $5.1B | $439.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $104.4M | $31.9M | ||
| Q3 25 | $107.5M | $28.1M | ||
| Q2 25 | $131.6M | $22.9M | ||
| Q1 25 | $128.7M | $19.0M | ||
| Q4 24 | $105.9M | $19.9M | ||
| Q3 24 | $141.1M | $10.4M | ||
| Q2 24 | $118.9M | $24.9M | ||
| Q1 24 | $108.1M | $31.2M |
| Q4 25 | $979.9M | $229.8M | ||
| Q3 25 | $928.5M | $225.7M | ||
| Q2 25 | $1.3B | $226.0M | ||
| Q1 25 | $1.2B | $218.2M | ||
| Q4 24 | $1.1B | $214.4M | ||
| Q3 24 | $1.2B | $212.4M | ||
| Q2 24 | $1.1B | $209.4M | ||
| Q1 24 | $1.1B | $206.0M |
| Q4 25 | $5.1B | $439.4M | ||
| Q3 25 | $5.0B | $445.3M | ||
| Q2 25 | $5.4B | $426.8M | ||
| Q1 25 | $5.1B | $414.5M | ||
| Q4 24 | $4.9B | $386.8M | ||
| Q3 24 | $4.9B | $375.3M | ||
| Q2 24 | $4.7B | $371.2M | ||
| Q1 24 | $4.5B | $364.0M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-85.5M | $12.4M |
| Free Cash FlowOCF − Capex | $-90.4M | $11.6M |
| FCF MarginFCF / Revenue | -27.1% | 5.0% |
| Capex IntensityCapex / Revenue | 1.4% | 0.3% |
| Cash ConversionOCF / Net Profit | -1.51× | 2.33× |
| TTM Free Cash FlowTrailing 4 quarters | $-169.4M | $8.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-85.5M | $12.4M | ||
| Q3 25 | $-10.1M | $2.5M | ||
| Q2 25 | $-12.9M | $3.1M | ||
| Q1 25 | $-52.6M | $-5.7M | ||
| Q4 24 | $-94.6M | $15.7M | ||
| Q3 24 | $-35.0M | $205.0K | ||
| Q2 24 | $-29.5M | $1.3M | ||
| Q1 24 | $-73.0M | $3.9M |
| Q4 25 | $-90.4M | $11.6M | ||
| Q3 25 | $-11.3M | $977.0K | ||
| Q2 25 | $-14.2M | $2.2M | ||
| Q1 25 | $-53.5M | $-6.4M | ||
| Q4 24 | $-98.6M | $14.1M | ||
| Q3 24 | $-36.1M | $-1.9M | ||
| Q2 24 | $-30.8M | $-185.0K | ||
| Q1 24 | $-73.5M | $1.8M |
| Q4 25 | -27.1% | 5.0% | ||
| Q3 25 | -3.6% | 0.4% | ||
| Q2 25 | -4.9% | 1.0% | ||
| Q1 25 | -19.8% | -3.0% | ||
| Q4 24 | -33.6% | 5.3% | ||
| Q3 24 | -12.8% | -0.9% | ||
| Q2 24 | -10.8% | -0.1% | ||
| Q1 24 | -28.8% | 1.0% |
| Q4 25 | 1.4% | 0.3% | ||
| Q3 25 | 0.4% | 0.7% | ||
| Q2 25 | 0.4% | 0.4% | ||
| Q1 25 | 0.3% | 0.3% | ||
| Q4 24 | 1.4% | 0.6% | ||
| Q3 24 | 0.4% | 1.0% | ||
| Q2 24 | 0.5% | 0.7% | ||
| Q1 24 | 0.2% | 1.2% |
| Q4 25 | -1.51× | 2.33× | ||
| Q3 25 | — | 1.90× | ||
| Q2 25 | -0.30× | 0.63× | ||
| Q1 25 | -14.37× | -2.26× | ||
| Q4 24 | -5.13× | 2.43× | ||
| Q3 24 | -1.29× | 0.06× | ||
| Q2 24 | -1.37× | 0.26× | ||
| Q1 24 | -21.01× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PRAA
| GB | $170.1M | 51% |
| Other | $163.3M | 49% |
RLGT
| Transferred Over Time | $201.2M | 87% |
| Other | $25.0M | 11% |
| Value Added Services | $4.2M | 2% |
| Transferred At Point In Time | $1.8M | 1% |
